Informed About Health Care Reform
In this section, we’ve compiled information about the Affordable Care Act (ACA) to help you make health reform work for you and your clients.
Please check back regularly for updates.
The Ins and Outs of Selling Plans on the Exchanges
We further explore the role of brokers in the exchanges. Get answers to some questions you may have, such as: Do brokers have to register and complete a training to sell plans on the Exchange? How will brokers be able to assist individual consumers? How will brokers be compensated for selling plans on the Exchange?
(Broker Focus; Jul/Aug 2013, 2:4)
SHOP Certification Course Now Available
The certification course is now available for brokers and selling agents (“producers”) wishing to sell through the Small Business Health Options Program (SHOP).You can go to the NYS Web site to see a list of the Provider Organizations who have an approved certification course for selling through SHOP, the small business marketplace.
(Broker News eNewsFlash; Aug, 2013)
HOW HEALTH REFORM WORKS
ACA’s Employer Mandate Delayed One Year
The Obama administration announced a one-year delay in the ACA’s “employer mandate” — the requirement that “large” businesses (those with 50 or more full-time employees or full-time equivalents) offer coverage to their full-time workers or pay a penalty. This mandate is now expected to take effect in January 2015.
(Broker News eNewsFlash; July, 2013)
Essential Health Benefits and NY’s Benchmark Plan
The ACA requires that starting January 1, 2014, every health insurance plan you sell in the individual and small group markets must offer a minimum level of coverage for what the ACA calls “Essential Health Benefits” (EHBs). New York selected the benefits of the State’s largest small group plan as its EHB benchmark.
(Broker Focus; May/Jun 2013, 2:3)
Navigators vs. Producers: Their Roles on the Exchange
While producers and navigators have distinct roles, there is some overlap in the services they provide. Both can offer one-to-one assistance to individuals and small businesses. However, navigators cannot sell; they can only advise. Producers will likely continue to be the primary distribution channel for small group enrollment through SHOP.
(Broker Focus; Mar/Apr 2013, 2:2)
The NY Health Benefit Exchange: How it Works
Nearly 2.7 million New Yorkers under age 65 — about 16 percent — do not have health insurance coverage. It is estimated that over one million New Yorkers will gain health insurance coverage once the Exchange and the other provisions of the ACA have been fully implemented.
(Broker Focus; Jan/Feb 2013, 2:1)
June 2012: Supreme Court Upholds Provisions of the ACA
(Broker Focus; July 2012, 1:5)
Provisions in Place during the First Two Years (2010-2012)
(Broker Focus; June 2012, 1:4)
Women’s Wellness Services — Without Cost Sharing
(Broker Focus; May 2012, 1:3)
The Supreme Court Reviews the ACA
(Broker Focus; March 2012, 1:2)